Western National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 6.84 percentage points in Q2 2026, from 79.33% to 86.17%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Western National Bank is 13th from the bottom among 221 Minnesota banks, 0.43% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Western National Bank reported 0.43% on return on assets in Q2 2026, 0.82 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.27% |
| Tier 1 risk-based capital ratio | 12.27% |
| Total risk-based capital ratio | 13.22% |
| Tier 1 leverage ratio | 8.52% |
| Equity capital to assets | 10.56% |
| Tangible equity to tangible assets | 8.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 2.68% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 29.60% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.43% |
| Return on equity | 4.16% |
| Net interest margin | 4.09% |
| Efficiency ratio | 85.27% |
| Yield on earning assets | 6.14% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.17% |
| Core deposits to total deposits | 87.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.10% |
| Securities to assets | 11.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.45% | 16.45% | 17.52% | 9.79% | 0.10% |
| Q4 2023 | 15.08% | 15.08% | 16.07% | 9.73% | -0.06% |
| Q1 2024 | 16.36% | 16.36% | 17.42% | 9.62% | 0.04% |
| Q2 2024 | 15.12% | 15.12% | 16.12% | 9.57% | -0.05% |
| Q3 2024 | 14.80% | 14.80% | 15.77% | 9.29% | 0.81% |
| Q4 2024 | 14.43% | 14.43% | 15.44% | 9.61% | 0.68% |
| Q1 2025 | — | — | — | 9.80% | 0.47% |
| Q2 2025 | 14.55% | 14.55% | 15.47% | 9.81% | 1.01% |
| Q3 2025 | 13.69% | 13.69% | 14.57% | 9.69% | 0.70% |
| Q4 2025 | 14.19% | 14.19% | 15.18% | 9.26% | 0.21% |
| Q1 2026 | 12.63% | 12.63% | 13.56% | 9.04% | -0.17% |
| Q2 2026 | 12.27% | 12.27% | 13.22% | 8.52% | 0.43% |
Western National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Western National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Western National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5131) · FFIEC NIC profile (RSSD 127055)